How to improve your credit score
How to Improve Your Credit Score
If you have found yourself with a credit score lower than you want, it's important to understand you can raise your score, but it will take time. There is no quick solution, the best advice for rebuilding credit is to manage it responsibly over a period of time. Follow these tips below to start the process of building your credit back up.

  • Get a Copy of your Credit Report - Credit score repair all starts with your credit report. If you have not already, get a free copy of your credit report and check it for any discrepancies. Your credit report includes all the data used to calculate your score and it may contain errors. Be sure to look for any incorrectly listed late payments and that balances are correctly listed. If you do find any errors be sure to dispute them with the credit bureau and reporting agency.

  • Setup Payment Reminders - Making your credit payments on time is one of the biggest factors to your credit score. Check with your bank to see if there is any payment reminder programs you can enroll in, such as email or text reminders letting you know when the payment is due. Some things people find helpful is automatic payments setup.

  • Reduce Your Amount of Debt - This may sound easy, but once you start reducing the amount of debt you owe, it will be far more satisfying than improving your credit score. The first thing to do is STOP using your credit cards, it's harder to reduce your debt when you are adding to it. Make a list of all your accounts to see how much you owe on each account and what the interest rates are for each. Once you have that list, come up with a payment plan to start paying off the credit cards with the highest interest rates first.


Your payment history, also referred to as payment performance, is the record you've established by either paying or not paying your bills on time. Your credit reports will reflect your payment history on any credit account you've had in the past 7-10 years.

  • Pay your bills on time - Delinquent payment, even a few days late, and collections can have a negative impact on your score.

  • Behind on payments? Get current and stay current - The longer you pay your bills on time after missing a payment, the more your score should increase. The impact of past credit problems decreases as time passes and as recent good payment patterns show up on your credit report. 

  • Paying off a collection account will not remove it from your credit report - It can stay on your report for 7-10 years.

  • If you are struggling to make payments, contact your creditors or see a credit counselor - This will not rebuild your credit immediately, but if you can begin and continue to pay your bills on time, your score should increase over time. Seeking assistance will not hurt your score either.


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